I've been with PetsBest since my German Shepherd was just over a year old, and she is turning 8 in October. My Golden Retriever has had it just as long and just turned 7 in June! Firstly, submitting claims in a breeze. You just take a picture of your invoice and upload it while selecting the vet hospital you went to. If they need any further information they'll reach out to the hospital for you. It's easy to submit, but sometimes you will be waiting a fairly long time for an answer on your claim. Med refills for chronic medications take just a couple days whereas big bills take much longer... I once submitted a claim that took close to 6 weeks. Most vet hospitals will require you to pay up front and get reimbursement on your own for pet insurance. Make sure you have a way to have the money up front. As long as the condition or incident isn't due to something pre-existing, I've never had a problem getting things covered! This is why I always recommend getting pet insurance on young, healthy animals. Better to have it young for use when they're old, than try to get it later in life and have denials because of pre-existing things. I will say, over the years my insurance has nearly tripled in price. I expect when I renew in February of '25 that it will definitely be triple at that point. I started out at like $52/yr for both dogs and am currently paying $144. Both of my dogs have chronic health conditions and are on daily medication so I expect it to go up each year, but 2024's jump was pretty brutal; I went from paying $88/month to the $144/month I'm at now. Crossing my fingers the jump isn't so drastic next year. If it is, I'll likely have to look into changing my policy up a bit to compensate. Right now I have the second-best option with unlimited coverage and 90% reimbursement. This is very helpful and luckily I haven't ever had to test the "unlimited" part of that coverage... hopefully I never have to. Overall, I'm knocking off a full star for the price hike this year and the time delay in larger bills being covered. But I still highly recommend pet insurance and PetsBest has always had great value for the coverage compared to others!